Seasonal Residence Insurance
A vacation home is symbolic in many parts of Canada, representing shared connections with friends and family. We’re here to protect your special moments with straightforward, easy-to-understand insurance.
Relax — we have your seasonal property covered
Insurance for vacation homes can be complex, so we've simplified it. The way you buy home insurance now applies to seasonal properties — providing great base coverage with customizable options to build a seasonal home insurance plan that is right for you.
We designed our unique seasonal suite with Canadian cottagers in mind, featuring a Comprehensive option for those looking for the best possible coverage for their buildings and contents.
Ask for our Comprehensive package to receive:
- Unlimited Food Spoilage coverage
- All Risk coverage and higher included limits for contents
- Theft coverage including Mysterious Disappearance
- Guaranteed Replacement Cost and Single Limit
- Building Bylaws coverage
- Additional Living Expenses
Broad and Basic packages are also available.
Seasonal Residence coverage is currently not available in Quebec.
Seasonal home insurance at a glance
Our insurance for seasonal properties includes protection against:
Fire and smoke
Hail, wind, and lightning
Fallen trees and ice
Premises Liability
Crucial considerations for vacation home coverage
Remote living poses unique challenges. Depending on the use and location of your vacation property, your Wawanesa broker may recommend these specific selections for your seasonal residence insurance policy:
Water Defence
Coverage against severe water damage caused by sewer backup, overland or ground water flooding. Learn more.
Residence under construction
Protection for those purchasing a new property and building a seasonal dwelling on it.
Construction by-laws
Safeguards against losses resulting from the enforcement of new or changing by-laws.
Short-term rentals
Coverage for home sharing and Airbnb-style rental arrangements. Learn more.
Maximizing protection
Ensure full protection for your seasonal residence by exploring these additional options with your insurance broker.
Additional buildings and structures
Detached outbuildings, such as boathouses, docks, garages or sheds, may benefit from additional insurance if they are integral to your vacation lifestyle.
Guaranteed replacement cost
Adding this endorsement guarantees full coverage for a rebuild, even if it exceeds your policy limit, putting you in the same position you were in before a loss.
Unlimited food spoilage
For hunters and large families, unlimited coverage for spoiled food due to power loss or mechanical breakdown of a freezer may be a wise addition to your policy.
Increased contents limit
The value of the contents in vacation homes often changes over time. Increasing your coverage limit can ensure fair replacement of valuables and guests’ belongings without having to regularly review your insurance plan or document new possessions.
Inflation guard
When construction and labour costs rise due to inflation, your fixed insurance limit may become inadequate to cover the actual expenses incurred during a rebuild. Inflation guard automatically adjusts your coverage limits to ensure your insurance keeps pace with inflated rebuild costs.
Explore custom solutions for your seasonal sanctuary
Before you embark on another season of making vacation memories, connect with a Wawanesa insurance broker to design your ideal seasonal residence insurance plan.
Find a broker